UNITED COMMUNITY BANKS/GA (UCB) Fundamental Analysis & Valuation

NYSE:UCB • US90984P3038

Current stock price

30.84 USD
-0.09 (-0.29%)
At close:
30.84 USD
0 (0%)
After Hours:

This UCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UCB Profitability Analysis

1.1 Basic Checks

  • In the past year UCB was profitable.
  • In the past year UCB had a positive cash flow from operations.
  • UCB had positive earnings in each of the past 5 years.
  • In the past 5 years UCB always reported a positive cash flow from operatings.
UCB Yearly Net Income VS EBIT VS OCF VS FCFUCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.14%, UCB is in the better half of the industry, outperforming 67.37% of the companies in the same industry.
  • UCB's Return On Equity of 8.74% is in line compared to the rest of the industry. UCB outperforms 44.47% of its industry peers.
Industry RankSector Rank
ROA 1.14%
ROE 8.74%
ROIC N/A
ROA(3y)0.89%
ROA(5y)1.01%
ROE(3y)7.14%
ROE(5y)8.63%
ROIC(3y)N/A
ROIC(5y)N/A
UCB Yearly ROA, ROE, ROICUCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • UCB has a better Profit Margin (29.93%) than 75.00% of its industry peers.
  • In the last couple of years the Profit Margin of UCB has grown nicely.
  • UCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.34%
PM growth 5Y4.33%
GM growth 3YN/A
GM growth 5YN/A
UCB Yearly Profit, Operating, Gross MarginsUCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. UCB Health Analysis

2.1 Basic Checks

  • UCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, UCB has more shares outstanding
  • Compared to 5 years ago, UCB has more shares outstanding
  • UCB has a better debt/assets ratio than last year.
UCB Yearly Shares OutstandingUCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
UCB Yearly Total Debt VS Total AssetsUCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • The Debt to FCF ratio of UCB is 0.58, which is an excellent value as it means it would take UCB, only 0.58 years of fcf income to pay off all of its debts.
  • UCB has a better Debt to FCF ratio (0.58) than 78.16% of its industry peers.
  • A Debt/Equity ratio of 0.06 indicates that UCB is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.06, UCB is doing good in the industry, outperforming 78.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.58
Altman-Z N/A
ROIC/WACCN/A
WACC17.58%
UCB Yearly LT Debt VS Equity VS FCFUCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UCB Yearly Current Assets VS Current LiabilitesUCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. UCB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.83% over the past year.
  • Measured over the past 5 years, UCB shows a small growth in Earnings Per Share. The EPS has been growing by 6.69% on average per year.
  • Looking at the last year, UCB shows a quite strong growth in Revenue. The Revenue has grown by 11.66% in the last year.
  • UCB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.08% yearly.
EPS 1Y (TTM)17.83%
EPS 3Y0.62%
EPS 5Y6.69%
EPS Q2Q%12.7%
Revenue 1Y (TTM)11.66%
Revenue growth 3Y6.1%
Revenue growth 5Y10.08%
Sales Q2Q%16.25%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.17% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 6.20% on average over the next years.
EPS Next Y10.4%
EPS Next 2Y9.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.44%
Revenue Next 2Y6.2%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
UCB Yearly Revenue VS EstimatesUCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
UCB Yearly EPS VS EstimatesUCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. UCB Valuation Analysis

4.1 Price/Earnings Ratio

  • UCB is valuated reasonably with a Price/Earnings ratio of 11.38.
  • UCB's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of UCB to the average of the S&P500 Index (24.75), we can say UCB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.31, the valuation of UCB can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as UCB.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, UCB is valued rather cheaply.
Industry RankSector Rank
PE 11.38
Fwd PE 10.31
UCB Price Earnings VS Forward Price EarningsUCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UCB indicates a somewhat cheap valuation: UCB is cheaper than 63.95% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.35
EV/EBITDA N/A
UCB Per share dataUCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.09
PEG (5Y)1.7
EPS Next 2Y9.17%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. UCB Dividend Analysis

5.1 Amount

  • UCB has a Yearly Dividend Yield of 3.19%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.66, UCB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, UCB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.19%

5.2 History

  • The dividend of UCB is nicely growing with an annual growth rate of 6.38%!
  • UCB has been paying a dividend for over 5 years, so it has already some track record.
  • UCB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)6.38%
Div Incr Years5
Div Non Decr Years5
UCB Yearly Dividends per shareUCB Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • UCB pays out 38.73% of its income as dividend. This is a sustainable payout ratio.
  • UCB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP38.73%
EPS Next 2Y9.17%
EPS Next 3YN/A
UCB Yearly Income VS Free CF VS DividendUCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
UCB Dividend Payout.UCB Dividend Payout, showing the Payout Ratio.UCB Dividend Payout.PayoutRetained Earnings

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UCB Fundamentals: All Metrics, Ratios and Statistics

UNITED COMMUNITY BANKS/GA

NYSE:UCB (3/30/2026, 7:35:06 PM)

After market: 30.84 0 (0%)

30.84

-0.09 (-0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-21
Inst Owners88.39%
Inst Owner ChangeN/A
Ins Owners0.46%
Ins Owner Change9.54%
Market Cap3.69B
Revenue(TTM)1.06B
Net Income(TTM)318.18M
Analysts72.73
Price Target38.08 (23.48%)
Short Float %2.74%
Short Ratio3.5
Dividend
Industry RankSector Rank
Dividend Yield 3.19%
Yearly Dividend1.03
Dividend Growth(5Y)6.38%
DP38.73%
Div Incr Years5
Div Non Decr Years5
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.67%
Min EPS beat(2)-1.31%
Max EPS beat(2)6.65%
EPS beat(4)3
Avg EPS beat(4)3.96%
Min EPS beat(4)-1.31%
Max EPS beat(4)6.65%
EPS beat(8)6
Avg EPS beat(8)5.23%
EPS beat(12)7
Avg EPS beat(12)1.13%
EPS beat(16)7
Avg EPS beat(16)-0.64%
Revenue beat(2)2
Avg Revenue beat(2)0.93%
Min Revenue beat(2)0.76%
Max Revenue beat(2)1.11%
Revenue beat(4)2
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-1.46%
Max Revenue beat(4)1.11%
Revenue beat(8)2
Avg Revenue beat(8)-3.11%
Revenue beat(12)2
Avg Revenue beat(12)-4.79%
Revenue beat(16)4
Avg Revenue beat(16)-3.63%
PT rev (1m)0%
PT rev (3m)6.92%
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)1.96%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)2.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.88%
Valuation
Industry RankSector Rank
PE 11.38
Fwd PE 10.31
P/S 3.47
P/FCF 10.35
P/OCF 9.61
P/B 1.01
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)2.71
EY8.79%
EPS(NY)2.99
Fwd EY9.7%
FCF(TTM)2.98
FCFY9.66%
OCF(TTM)3.21
OCFY10.41%
SpS8.89
BVpS30.42
TBVpS22.33
PEG (NY)1.09
PEG (5Y)1.7
Graham Number43.07
Profitability
Industry RankSector Rank
ROA 1.14%
ROE 8.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.93%
GM N/A
FCFM 33.53%
ROA(3y)0.89%
ROA(5y)1.01%
ROE(3y)7.14%
ROE(5y)8.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.34%
PM growth 5Y4.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.58
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 2.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.58%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.22%
Cap/Sales(5y)4.84%
Profit Quality(3y)119.41%
Profit Quality(5y)139.08%
High Growth Momentum
Growth
EPS 1Y (TTM)17.83%
EPS 3Y0.62%
EPS 5Y6.69%
EPS Q2Q%12.7%
EPS Next Y10.4%
EPS Next 2Y9.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.66%
Revenue growth 3Y6.1%
Revenue growth 5Y10.08%
Sales Q2Q%16.25%
Revenue Next Year6.44%
Revenue Next 2Y6.2%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.76%
FCF growth 3Y-14.21%
FCF growth 5Y20.51%
OCF growth 1Y9.81%
OCF growth 3Y-14.17%
OCF growth 5Y19.34%

UNITED COMMUNITY BANKS/GA / UCB Fundamental Analysis FAQ

What is the fundamental rating for UCB stock?

ChartMill assigns a fundamental rating of 4 / 10 to UCB.


Can you provide the valuation status for UNITED COMMUNITY BANKS/GA?

ChartMill assigns a valuation rating of 5 / 10 to UNITED COMMUNITY BANKS/GA (UCB). This can be considered as Fairly Valued.


Can you provide the profitability details for UNITED COMMUNITY BANKS/GA?

UNITED COMMUNITY BANKS/GA (UCB) has a profitability rating of 4 / 10.


What are the PE and PB ratios of UNITED COMMUNITY BANKS/GA (UCB) stock?

The Price/Earnings (PE) ratio for UNITED COMMUNITY BANKS/GA (UCB) is 11.38 and the Price/Book (PB) ratio is 1.01.


What is the earnings growth outlook for UNITED COMMUNITY BANKS/GA?

The Earnings per Share (EPS) of UNITED COMMUNITY BANKS/GA (UCB) is expected to grow by 10.4% in the next year.